AML / KYC Policy

Although Novixfund Accounts are simulated and payouts are a discretionary reward rather than investment proceeds, payouts are settled in real USDT. This policy sets out the identity verification ("KYC") and anti-money-laundering ("AML") measures we apply before releasing a payout, to protect the platform, our users, and the integrity of the payment networks we use.

Before your first payout from any funded Account is processed, you must complete identity verification through our KYC processor, which typically requires a valid government-issued photo ID and a selfie or liveness check. We may request additional documentation, such as proof of address or a source-of-funds statement, where warranted by risk indicators. Verification is a one-time requirement per identity; it does not need to be repeated for each subsequent payout absent a change in circumstances or a periodic re-verification request.

We screen users against applicable sanctions, politically-exposed-person, and watchlist databases before processing a payout. We will not process a payout to, and may close the Account of, any person or entity subject to applicable sanctions, located in a comprehensively sanctioned jurisdiction, or otherwise prohibited from receiving funds under laws applicable to our operations.

Each natural person may hold only one verified identity on the platform, consistent with Section 2 of our Terms of Service. Attempting to verify multiple identities, use false or borrowed identity documents, or verify on behalf of another person is prohibited and will result in refusal of the payout, closure of the associated Accounts, and forfeiture of pending payouts.

We may refuse, delay, or unwind a payout, or decline to verify an identity, where we are unable to confirm your identity to our standards, where verification indicates a sanctions or fraud risk, where we receive inconsistent or incomplete information, or where required by a competent authority. We will where reasonably possible explain the reason and what is needed to proceed.

We retain identity verification records and payout records for the period required by applicable record-keeping and anti-money-laundering obligations, after which they are deleted or anonymized unless a longer retention period is legally required, consistent with our Privacy Policy.

Where required by law, we may report suspicious activity to competent authorities and will cooperate with lawful requests from regulators, law enforcement, and payment-network partners in connection with AML and sanctions obligations.